Privacy Policy

The Homeowner Assistance Program ("Program," "we," "us," or "our") operates as a marketing, advertising, and lead generation platform. This Privacy Policy ("Policy") describes our comprehensive data collection, usage, sharing, and monetization practices across our websites, platforms, and services (collectively, the "Platform").

BY USING OUR PLATFORM, CLICKING ANY BUTTON, SUBMITTING ANY INFORMATION, OR CONTINUING TO BROWSE, YOU EXPRESSLY CONSENT TO ALL DATA PRACTICES DESCRIBED IN THIS POLICY.

1. Our Business Model and Data Monetization

1.1 Lead Generation Business

IMPORTANT: We operate a lead generation and marketing platform. Our primary revenue source is selling, licensing, and distributing consumer information ("leads") to third-party service providers. When you submit information, you become a "lead" that we monetize through:

• Direct lead sales to service providers
• Subscription-based lead distribution services
• Pay-per-lead and pay-per-contact arrangements
• Referral fees and commission-based partnerships
• Advertising revenue from targeted marketing campaigns

1.2 Data as Our Primary Asset

Your personal information is our core business asset. We collect, process, analyze, enhance, and distribute your data to generate revenue. This includes creating detailed consumer profiles, behavioral analytics, and predictive marketing models.

2. Comprehensive Information Collection

2.1 Information You Directly Provide

When you interact with our Platform, we collect:

• Contact Information: Name, email address, phone numbers (mobile, home, work), mailing address, ZIP code
• Project Details: Service interests, project descriptions, timelines, budgets, property information
• Demographic Data: Age, income estimates, homeownership status, household composition
• Communication Preferences: Preferred contact methods, times, and frequency
• Verification Data: Information used to verify your identity and contact details

2.2 Automated Data Collection

We automatically collect extensive technical and behavioral data:

• Device Information: IP address, device type, operating system, browser type and version, screen resolution
• Usage Analytics: Pages visited, time spent, click patterns, scroll behavior, form interactions
• Location Data: Precise geolocation (when permitted), approximate location from IP address
• Session Data: Date/time of visits, referring URLs, exit pages, search terms used
• Tracking Technologies: Cookies, web beacons, pixels, local storage, session storage, device fingerprinting

2.3 Third-Party and Enhanced Data

We obtain additional information from:

• Data Brokers: Demographic, lifestyle, and consumer behavior data
• Marketing Partners: Cross-platform user identification and behavioral insights
• Public Records: Property ownership, tax records, permit applications, contractor licenses
• Social Media Platforms: Profile information and advertising interaction data
• Credit and Financial Services: Credit scores, payment history, financial capacity indicators

3. Extensive Data Usage Purposes

We use your information for unlimited business purposes including:

3.1 Core Lead Generation Services

• Creating and distributing leads to multiple service providers simultaneously
• Matching consumers with providers based on location, services, and capacity
• Facilitating initial contact between consumers and providers
• Tracking lead performance and conversion metrics

3.2 Marketing and Advertising Operations

• Delivering targeted advertisements across multiple platforms and devices
• Creating lookalike audiences for advertising campaigns
• Retargeting and remarketing to previous visitors
• Cross-selling and upselling additional services
• Building comprehensive consumer profiles for marketing optimization

3.3 Communication and Customer Service

• Unlimited contact via phone, email, text message, and other channels
• Automated messaging and drip marketing campaigns
• Customer support and dispute resolution
• Service updates and platform notifications

4. Comprehensive Data Sharing and Monetization

4.1 Service Provider Network

We share your information with an extensive network including:

• Licensed Contractors: Home improvement, repair, and maintenance professionals
• Service Companies: HVAC, plumbing, electrical, roofing, and specialty service providers
• National Franchise Networks: Large-scale service provider organizations
• Regional and Local Providers: Independent contractors and small businesses
• Emergency Service Providers: 24/7 and urgent service specialists

IMPORTANT: The same lead may be sold to multiple competing providers simultaneously. We do not guarantee lead exclusivity unless specifically contracted.

4.2 Marketing and Advertising Partners

Your data is shared with:

• Digital Advertising Networks: Google, Facebook, Microsoft, Amazon, and hundreds of other platforms
• Data Management Platforms: Companies that create audience segments for advertising
• Marketing Technology Providers: Email, SMS, and automated marketing platforms
• Analytics Companies: Firms that analyze consumer behavior and platform performance

5. State Privacy Law Compliance

5.1 California Consumer Privacy Rights (CCPA/CPRA)

California residents have specific rights under the California Consumer Privacy Act and California Privacy Rights Act:

Categories of Personal Information Collected:

• Identifiers (name, email, phone, address, IP address, device IDs)
• Commercial information (service interests, purchase history, preferences)
• Internet or network activity (browsing history, interactions with advertisements)
• Geolocation data (precise and approximate location information)
• Inferences drawn from personal information (consumer profiles, preferences)

Business Purposes for Information Use:

• Lead generation and distribution services
• Marketing and advertising operations
• Platform security and fraud prevention
• Legal compliance and business operations
• Service provider matching and facilitation

5.2 Virginia, Colorado, Connecticut, and Utah Privacy Rights

Residents of these states have rights to:

• Confirm whether we process their personal data
• Access personal data we maintain about them
• Correct inaccurate personal data
• Delete personal data under certain circumstances
• Obtain a portable copy of personal data
• Opt out of targeted advertising and profiling
• Opt out of the sale of personal data

6. Your Privacy Rights and Limitations

6.1 Available Rights (Subject to Legal Requirements)

Depending on your location, you may request to:

• Access personal information we maintain about you
• Correct inaccurate or incomplete information
• Delete your information under specific circumstances
• Restrict certain types of processing
• Opt out of marketing communications
• Opt out of targeted advertising and profiling
• Receive a portable copy of your data

6.2 Rights Exercise Process

To exercise privacy rights:

• Submit requests to privacy@homeowner-assistance-program.org
• Provide sufficient information to verify your identity
• Specify the exact rights you wish to exercise
• Allow up to 45 days for initial response (may be extended)
• Understand that some requests may be denied or limited

7. Data Retention and Security

7.1 Retention Periods

We retain your information for extended periods including:

• Active Lead Data: Minimum 7 years from last interaction
• Marketing Data: Indefinitely unless deletion is requested
• Analytics Data: Aggregated data retained permanently
• Legal Compliance Data: As required by applicable laws
• Backup Data: Technical backups retained for up to 10 years

7.2 Security Measures

We implement comprehensive security measures including:

• Encryption of data in transit and at rest using industry-standard protocols
• Access controls and authentication systems for employee access
• Regular security assessments and vulnerability testing
• Incident response procedures and breach notification protocols
• Third-party security audits and compliance certifications

8. Marketing Communications and Opt-Out

8.1 Communication Types

You may receive various communications including:

• Direct Marketing: Promotional emails, text messages, and phone calls
• Transactional Messages: Service confirmations, updates, and notifications
• Third-Party Marketing: Communications from service providers and partners
• Automated Campaigns: Triggered messages based on behavior and preferences

8.2 Opt-Out Methods

You can opt out of marketing communications by:

• Clicking unsubscribe links in emails
• Replying "STOP" to text messages
• Contacting privacy@homeowner-assistance-program.org
• Adjusting preferences in your account (if available)

9. Contact Information